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PayPal vs BILL Spend & Expense Comparison (2026)
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Good recommendations?
PayPal
4.6
(26.6K)5
19.7K
4
5.3K
3
1K
2
211
1
323
Based on GetApp‘s extensive, proprietary database of in-depth, verified user reviews
BILL Spend & Expense
4.7
(440)5
341
4
75
3
9
2
6
1
9
Based on GetApp‘s extensive, proprietary database of in-depth, verified user reviews
Overview
PayPal provides an end-to-end suite of tools that can integrate with a business's existing systems and service providers. Its network of shoppers and businesses provides AI-driven data insights to help businesses reach new customers and drive results.
BILL Spend & Expense (formerly Divvy) is the all-in-one expense management solution.
- Platforms supported
- Web-based
- iPhone app
- Android app
- Windows Phone app
- Typical customers
- Freelancers
- Small businesses
- Mid size businesses
- Large enterprises
- Customer support
- Phone
- Online
- Knowledge base
- Video tutorials
- Platforms supported
- Web-based
- iPhone app
- Android app
- Windows Phone app
- Typical customers
- Freelancers
- Small businesses
- Mid size businesses
- Large enterprises
- Customer support
- Phone
- Online
- Knowledge base
- Video tutorials
Video & Screenshots
Pricing
User reviews
4.6
26.6K
5
4
3
2
1
19.7K
5.3K
1K
211
323
- Value for money
- Ease of use
- Features
- Customer support
83%
would recommend this app4.7
440
5
4
3
2
1
341
75
9
6
9
- Value for money
- Ease of use
- Features
- Customer support
90%
would recommend this appPros
“PayPal is the go-to for fast, secure online payments. While not a full accounting tool, it's excellent for collecting payments, sending invoices quickly, and managing basic expense tracking on the go”
SA
Suman A.
Owner,Bookkeeper,TAxPreparer
“The platform is intuitive, widely recognized, and trusted by customers, which helps increase buyer confidence and makes the payment process smoother. While there is room for improvement in areas such as transaction costs, occasional technical issues, and expanded marketing tools, PayPal has remained a valuable part of my business operations.”
BZ
Briana Z.
Art Instructor
“The platform makes complex payment workflows feel simple, with intuitive navigation, clear transaction history, and useful invoicing tools that support both individuals and businesses.”
BH
Braden H.
Senior Product Designer
Pros
“It allows me to easily record things like mileage and meal costs while I’m on the go, without having to keep up with paper receipts or wait until the end of the trip.”
JR
Jennifer R.
Teacher
“Spend & Expense allows me to manage all credit cards for the entire agency from one portal. ”
Abigail P.
Manager, Accounts Payable
“A solid, secure tool for expense management, but it needs more modern AI features to truly shine over its competitors.”
Jaxton B.
Financial Controller
Cons
“While PayPal allows you to accept payments and secures everything for both parties, the payment processing fails when people want to pay with a credit card, due to too many verification steps.”
SM
Sandra M.
Owner
“Customer support repeatedly provided generic responses without explaining the reason for the suspension or offering any meaningful appeal process. While PayPal excels in ease of use and is a trusted payment option for customers, the possibility of losing access to your account without explanation makes it difficult for me to recommend relying on it as your primary payment processor.”
Victoria T.
Self-Employed
“I was once unable to claim a payment due to PayPal requiring documentation on my end, which, while I appreciate the heightened security, their automated process had an issue in which it wouldn't accept the document I was providing, even though it met the requirements.”
AE
Andrea E.
Illustrator and Designer
Cons
“It will still send a credit card - which in most cases is not how people want to get paid. If 5 happens to you (where you select to pay via ACH from your bank instead of a virtual card) your bank account will STILL pay for it like a prepayment to your LOC (stupid). If your account is frozen - you can't even use those funds anyway. If you reach out to customer support - you will chat with someone who is extremely unresponsive and feels like they are talking to 10 other people.”
BM
Bradyn M.
CEO
“It was not until we called Bill that they even had any idea there was suspicious activity on the account despite the thief making repeat purchases at the apple store, expensive clothing stores, etc. that our company has zero history making purchases at. When the fraud claim was filed it was erroneously noted that the stolen card was still in the possession of the employee. While we attempted to correct this, Bill rejected the fraud claim and refused to appeal their decision.”
RG
Russell G.
CTO
“As a result, our reconciling was a mess because all charges were being paid only by one entity. ”
Abigail P.
Manager, Accounts Payable
- Vendor responds to reviews
- Last review5 days ago
- Vendor responds to reviews
- Last review22 days ago
Key features
- Total features96
- "What If" Scenarios
- ACH Payment Processing
- AI/Machine Learning
- API
- Access Controls/Permissions
- Accounting
- Accounting Integration
- Activity Dashboard
- Ad hoc Reporting
- Alerts/Notifications
- Anomaly Detection
- Approval Process Control
- Approval Workflow
- Audit Management
- Audit Trail
- Authentication
- Automated Receipt Matching
- Bank Reconciliation
- Barcode/Ticket Scanning
- Billing & Invoicing
- Billing Portal
- Booking Management
- Budget Control
- Budgeting/Forecasting
- CRM
- Cash Flow Management
- Cash Management
- Categorization/Grouping
- Check Fraud Detection
- Client Management
- Compliance Management
- Configurable Workflow
- Consolidation/Roll-Up
- Contact Database
- Corporate Card
- Credit Card Management
- Credit Card Processing
- Customizable Dashboard
- Customizable Fields
- Customizable Invoices
- Customizable Reports
- Customizable Templates
- Dashboard
- Data Import/Export
- Data Management
- Data Security
- Data Visualization
- Debit/Credit Card Processing
- Deferred Billing
- Digital Wallet Payments
- Document Management
- Duplicate Detection
- EDI
- ERP integration
- Electronic Payments
- Electronic Signature
- Employee Self Service
- Expense Claims
- Expense Tracking
- Financial Analysis
- Financial Management
- Financial Reporting
- Fixed Asset Management
- For Accountants
- For Banking
- For Food Trucks
- For Retail
- For Small Businesses
- For eCommerce
- Fraud Detection
- General Ledger
- In-Person Payments
- Income & Balance Sheet
- Internal Fraud Monitoring
- Inventory Management
- Invoice Creation
- Invoice History
- Invoice Management
- Invoice Processing
- Marketing Reports
- Mobile Access
- Mobile App
- Mobile Payments
- Mobile Receipt Upload
- Monitoring
- Multi-Company
- Multi-Currency
- Multi-Location
- Multi-Period Recurring Billing
- Multiple Payment Options
- Online Booking
- Online Invoicing
- Online Payments
- Order Management
- PCI Compliance
- Payment Collection
- Payment Fraud Prevention
- Payment Gateway Integration
- Payment Links
- Payment Options
- Payment Processing
- Payment Tracking
- Performance Management
- Point of Sale (POS)
- Policy Management
- Prepaid Cards
- Product Catalog
- Profit/Loss Statement
- Project Tracking
- Projections
- Promotions Management
- Purchasing & Receiving
- QuickBooks Integration
- Real-Time Analytics
- Real-Time Data
- Real-Time Monitoring
- Real-Time Notifications
- Real-Time Reporting
- Real-Time Updates
- Real-time Alerts
- Receipt Management
- Recurring Invoicing
- Recurring/Subscription Billing
- Refund Management
- Reimbursement Management
- Reminders
- Reporting & Statistics
- Reporting/Analytics
- Restriction Management
- Returns Management
- Risk Analysis
- Risk Management
- Role-Based Permissions
- Rules-Based Workflow
- SSL Security
- Sales Reports
- Sales Tax Management
- Scheduled/Automated Reports
- Search/Filter
- Secure Data Storage
- Self Service Portal
- Self-Service Reporting
- Shipping Labels
- Shipping Management
- Single Sign On
- Social Media Integration
- Spend Analysis
- Spend Control
- Spend Management
- Staff Management
- Status Tracking
- Summary Reports
- Task Management
- Tax Management
- Third-Party Integrations
- Time & Expense Tracking
- Time Tracking by Client
- Time Tracking by Project
- Timer
- Transaction History
- Transaction Monitoring
- Travel Management
- User Management
- Vendor Management
- Workflow Automation
- Workflow Management
- eCommerce Management
- Total features105
- "What If" Scenarios
- ACH Payment Processing
- AI/Machine Learning
- API
- Access Controls/Permissions
- Accounting
- Accounting Integration
- Activity Dashboard
- Ad hoc Reporting
- Alerts/Notifications
- Anomaly Detection
- Approval Process Control
- Approval Workflow
- Audit Management
- Audit Trail
- Authentication
- Automated Receipt Matching
- Bank Reconciliation
- Barcode/Ticket Scanning
- Billing & Invoicing
- Billing Portal
- Booking Management
- Budget Control
- Budgeting/Forecasting
- CRM
- Cash Flow Management
- Cash Management
- Categorization/Grouping
- Check Fraud Detection
- Client Management
- Compliance Management
- Configurable Workflow
- Consolidation/Roll-Up
- Contact Database
- Corporate Card
- Credit Card Management
- Credit Card Processing
- Customizable Dashboard
- Customizable Fields
- Customizable Invoices
- Customizable Reports
- Customizable Templates
- Dashboard
- Data Import/Export
- Data Management
- Data Security
- Data Visualization
- Debit/Credit Card Processing
- Deferred Billing
- Digital Wallet Payments
- Document Management
- Duplicate Detection
- EDI
- ERP integration
- Electronic Payments
- Electronic Signature
- Employee Self Service
- Expense Claims
- Expense Tracking
- Financial Analysis
- Financial Management
- Financial Reporting
- Fixed Asset Management
- For Accountants
- For Banking
- For Food Trucks
- For Retail
- For Small Businesses
- For eCommerce
- Fraud Detection
- General Ledger
- In-Person Payments
- Income & Balance Sheet
- Internal Fraud Monitoring
- Inventory Management
- Invoice Creation
- Invoice History
- Invoice Management
- Invoice Processing
- Marketing Reports
- Mobile Access
- Mobile App
- Mobile Payments
- Mobile Receipt Upload
- Monitoring
- Multi-Company
- Multi-Currency
- Multi-Location
- Multi-Period Recurring Billing
- Multiple Payment Options
- Online Booking
- Online Invoicing
- Online Payments
- Order Management
- PCI Compliance
- Payment Collection
- Payment Fraud Prevention
- Payment Gateway Integration
- Payment Links
- Payment Options
- Payment Processing
- Payment Tracking
- Performance Management
- Point of Sale (POS)
- Policy Management
- Prepaid Cards
- Product Catalog
- Profit/Loss Statement
- Project Tracking
- Projections
- Promotions Management
- Purchasing & Receiving
- QuickBooks Integration
- Real-Time Analytics
- Real-Time Data
- Real-Time Monitoring
- Real-Time Notifications
- Real-Time Reporting
- Real-Time Updates
- Real-time Alerts
- Receipt Management
- Recurring Invoicing
- Recurring/Subscription Billing
- Refund Management
- Reimbursement Management
- Reminders
- Reporting & Statistics
- Reporting/Analytics
- Restriction Management
- Returns Management
- Risk Analysis
- Risk Management
- Role-Based Permissions
- Rules-Based Workflow
- SSL Security
- Sales Reports
- Sales Tax Management
- Scheduled/Automated Reports
- Search/Filter
- Secure Data Storage
- Self Service Portal
- Self-Service Reporting
- Shipping Labels
- Shipping Management
- Single Sign On
- Social Media Integration
- Spend Analysis
- Spend Control
- Spend Management
- Staff Management
- Status Tracking
- Summary Reports
- Task Management
- Tax Management
- Third-Party Integrations
- Time & Expense Tracking
- Time Tracking by Client
- Time Tracking by Project
- Timer
- Transaction History
- Transaction Monitoring
- Travel Management
- User Management
- Vendor Management
- Workflow Automation
- Workflow Management
- eCommerce Management
Integrations
- Total integrations51
- 123FormBuilder
- 17hats
- Acuity Scheduling
- AthletaDesk
- BetterUnite
- BigCommerce
- Cash App
- Chargebee
- Cognito Forms
- Constant Contact
- Donorbox
- Dynamics 365 Business Central
- Ecwid
- Formsite
- Fundraise Up
- GiveSmart
- GiveWP
- Gmail
- Google Pay
- Gravity Forms
- Invoice Simple
- Invoice2go
- Joist
- Jotform
- Keap
- Miva
- NetSuite
- Ninja Forms
- OpenCart
- PayPal Enterprise Payments
- Paymo
- Payoneer
- QuickBooks Enterprise
- QuickBooks Online
- QuickBooks Online Advanced
- RocketRez
- Sage Intacct
- Salesforce Commerce Cloud
- Shift4Shop
- Shopify
- Shopware
- Slack
- Spreedly
- Squarespace
- Stripe
- SubscriptionFlow
- TutorBird
- Venmo
- Volusion
- Wix
- WooCommerce
- WordPress
- Wufoo
- X-Cart
- Xero
- Zuora
- commercetools
- nopCommerce
- Total integrations9
- 123FormBuilder
- 17hats
- Acuity Scheduling
- AthletaDesk
- BetterUnite
- BigCommerce
- Cash App
- Chargebee
- Cognito Forms
- Constant Contact
- Donorbox
- Dynamics 365 Business Central
- Ecwid
- Formsite
- Fundraise Up
- GiveSmart
- GiveWP
- Gmail
- Google Pay
- Gravity Forms
- Invoice Simple
- Invoice2go
- Joist
- Jotform
- Keap
- Miva
- NetSuite
- Ninja Forms
- OpenCart
- PayPal Enterprise Payments
- Paymo
- Payoneer
- QuickBooks Enterprise
- QuickBooks Online
- QuickBooks Online Advanced
- RocketRez
- Sage Intacct
- Salesforce Commerce Cloud
- Shift4Shop
- Shopify
- Shopware
- Slack
- Spreedly
- Squarespace
- Stripe
- SubscriptionFlow
- TutorBird
- Venmo
- Volusion
- Wix
- WooCommerce
- WordPress
- Wufoo
- X-Cart
- Xero
- Zuora
- commercetools
- nopCommerce
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